මහින්දගෙන් ලියුමක් 

Thanks mcn❤

❤❤❤තෑන්ක්ස් සහෝ.

@@travelguide6412 😘❤️

@@buddhiwijemanna5821 😘❤️

😂

අන්න ඒකයි .😂❤

e ow bn katha wada karan epa😢 digatama dapalla..

අනිවාර්යයෙන්ම ❤

abisek Good

අඩෝ මේ අපේ ගව සම්පතට බලු කතා කියන්න එපා.😂

ඒක මරැ 😂 Toilet එක කියලා Flight ✈️ එකේ දොර එහෙම අරින්නෙ නෑ ඔන්න. අපිට බෑ ඔයාව පරිස්සම් කරන්න 💁🏻‍♀️🙈😉

ඔව් ඔව් බැල්කනි නැගීම තහනම් 😂

100% agreed. Basic banking business model is accepting deposits and lending money. Banks are not in to investment property business to acquire moveble and imoveble properties. Bank wants customers to pay their loans and not to aquire their properties. Parate action is initiated as the last resort of recovery action. Enough and more opurtunities given to customers to come up with and alternative settlement plan prior auctioning the properties. Want to correct Thivankas statement there is a lengthy procedure needs to be followed prior auctioning. Enough and more prior notice given to the customers and the banks needs to publish paper advertisment in all three languages and there are more requirements need to be met to proceed the auction. There is a huge cost involved in auctioning process. If the property is acquired by the bank , the bank needs to deployed 24*7 security to that property. Most people who complaint are willfull defaulters who have misuse loan proceeds to their personal consumption and not to the intended business purpose. First you have to understand is there is a cost involved mobilusing funds. Just analyse any banks financial statements you will see that Net Interest Margin NIM in all most every bank is showering around 3 to 4% range. That's the profit margin for advancing their funds to customers. Basic fundamentals in finance there is time value for money and time value needs to be factored when lending money. මම ඔයගොල්ලන්ගෙම theory එකක් quote කරන්නම් Decisions/point of views needs to be arrived based on analysing substantial data (facts and figures) not sudden emotions.

Yes ,you are absolutely correct. මෙයත් බරපතල ලෙස දේශපාලන අවශ්‍යතා වෙනුවෙන් වැරදි ලෙස සමාජ ගතකල මිත්‍යාවක්. කරුනු සහිතව දීර්ඝ ලෙස පැහැදිලි කලහැකි උනත් වැඩි දෙනෙක් කැමති දේ පමණක් අහල පිලිගන්නවා. මේවත් fact check කරන්න ඕන දේවල්.

Exactly. I invite other bankers in the group also to share their ideas and correct us if we are wrong. Need to have this discussion going on because I have seen that Banks are criticized by the public for following the laid down procedures. If such procedures are not followed, then Internal Audits, External Audits and the Regulator (CBSL) will play their role against banks. As you said, this should be adequately supported by data.

Agreed , people like Slvlog should not be there to endorse the political version of debt recovery or for that matter Interpretation of so called " බෝල් ණය" . But should do proper research to understand the real issues of borrowers and lapses of the financial sector. Sujith often makes comments, mixing facts relating to the unregulated micro finance sector with the regulated Banking sector , putting everything in one basket . Being a viewer of all 99 DDs I have made many comments pointing out correct facts for subjects that I know. I doubt any attention is received. A lot can be said , shared and explained if you are ready to listen without wasting time typing comments. We Just want to avoid misinformation being spread to the general public if I quote from your value statement" We strive for accuracy and we don't chase clicks for their own sake " DD is watching a large community including professionals , overseas diaspora. They are not just a bunch of " clicks victims" we value your contents and your contributions to elevate the norms of our society- the goal of "society of rational minds" So let's try to bring the real issues to the discussion table , without endorsing the popular political slogans. As for parate execution , the law was widely introduced under " Debt Recovery ( Special provisions) act no 2 of 1990 under the guidance of Wickrama Weerasooriya , when Sujith Premadas's father was in power . DD team should research 1. why such law was necessary in the first place .? 2. How is this law enforced upon default customers ? 3, Why is it called bankers last resort? 4.what remedies customers have when a loan is default.? 5. Why do some customers approach politicians rather than seeking assistance from lending banks for remedies? 6. How many customers revived their businesses 0 dealing with their bank . ? 7. Why remedial actions are failing. ? 8. Is it acceptable , relatively low cost project finances divert to acquire personal properties . ? 9. Were there any instances preventing customers meeting the bank's' higher management to seek remedies. ? 10. What is the mechanism to classify loans as Non- performing ,( NPA) , is the term NPA equal to bad debts written off ? Is this information available in Banks'' annual report ? Is classification of NPA the same across the industry, and are they subject to verification of external auditors and CBSL ? Do the rating agencies review the validity of information.? What are statutory deadlines for publishing financial information? Are there instances where banks have failed to comply with such deadlines. ? How much is the government tax revenue from the banking industry? Can a management of a bank exercise parate rights without the formal approval of their board of directors? So there is a lot to discuss and understand the real issues... Of genuine entrepreneurs

උන්ට කෙලවිලාලූ

නෑ නෑ චන්දයක් එනවාලු.......😂

_...................කියන්නට ලැජ්ජයි._

_ආප්ප කාල ගිය __#කා__ එක්ක පස්සෙ දින 52 ආණ්ඩුවකුත් හදලා පීචං වෙච්චි එවුන්. මුන් මහ ලැජ්ජ නැති හැත්තක් !_

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බැංකු සේවකයින් අනුන්ගේ මුදල් අත්ගානාවට සලකන්නේ

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18 to 22 months

There can be situations where , a loan is granted with a grace period ( until such a time project/business income is generated) banks charge only interest potion. .